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Money Made Human Podcast
Personal finance with a human touch.
Money Made Human is a show about what it actually looks like to handle money well. Not the rules. Not the hacks. The real, human experience of building a financial life that fits how you actually live.
Hosted by Kelsa Dickey, founder of Financial Coach Academy® and creator of the SpendFirst® methodology, this show is for two kinds of listeners. People who want a better picture of their own money. And the financial coaches and practitioners who do this work with them.
For almost two decades, Kelsa has built her practice around one belief: most financial stress isn't a discipline problem. It's a visibility problem. When you can see where your money is actually going, what's already spoken for, and what's coming, the decisions get easier. The system doesn't have to be tight. It has to be clear.
Season 2 is the chapter-by-chapter reading of Kelsa's book, SpendFirst: The Surprisingly Simple System to Stop Stressing About Money. One chapter per episode, in her voice, from the introduction all the way through. The book launches November 11, 2026. You'll hear it here first.
If you're a coach or practitioner, this is the methodology your clients will be learning. Hearing the whole thing will make you better at teaching it.
If you're trying to figure out your own money, this is a season-long invitation into a way of thinking that doesn't ask you to be more disciplined. It asks you to see your money clearly.
New episodes every Thursday. Subscribe wherever you listen.
Money Made Human Podcast
Chapter 6: SpendFuture - Planning for What Doesn't Happen Monthly
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Here's the wave that makes so many capable, responsible people feel like they just can't get ahead. You have a good month, put a little toward a card, and then the tires and the vet bill land in the same week and it's gone.
In this episode, Kelsa reads Chapter 6 of SpendFirst, about SpendFuture, the money you set aside for the expenses that don't show up every month and always seem to arrive at the worst time. You'll meet Rachel, who kept getting close to ahead and then getting knocked back, and hear the reframe at the heart of the chapter: these expenses aren't emergencies, they're predictable, and once you plan for them they stop running your month.
A few things this chapter opens up:
- Why the good-month-then-wiped-out cycle keeps repeating, and how to end it.
- Why the expenses that feel like emergencies almost never are.
- What changes when a whole weekend of big expenses lands and the money is already waiting.
Get the Book: You just listened to a chapter of it. The whole book is out November 11, and SpendFirst.com/book will tell you the day it lands.
Get the free Quick Start Guide and Year-at-a-Glance Planner.
New episodes every Thursday. Subscribe so you don't miss the next one.
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